4Q 2021 Investor Presentation
Non-Performing Loans
The NPL ratio has improved significantly to 1.8% due to a 20% decline in NPLs YoY
Non-Performing Loans, Gross (SARbn)
NPL, Gross Movement YoY (SARbn)
-20%
2.9
2.7
2.8
2.9
2.3
2.9
2.6
2.5
2.6
2.7
2.1
-20%
مصرف الإنماء
alinma bank
2.3
(0.1)
(0.5)
0.3
0.2
0.2
0.2
0.1
QoQ 4Q 20
-5%
1Q 21
+3%
2Q 21
+2%
3Q 21
-20%
4Q 21
Total NPL
4Q 20
Retail
Corporate
Total NPL
4Q 21
Retail
Corporate
-42%
-18%
NPL Composition (SARbn)
93%
7%
NPL Ratio (%)
3.0% 2.49%
2.25%
2.26%
2.27%
1.75%
Retail
2.0%
2.3
1.0%
Corporate
4Q 2021 INVESTOR PRESENTATION
0.0%
4Q 20
10 21
2Q 21
3Q 21
4Q 21
Management Commentary
■ The NPL ratio declined by 74bps YoY to 1.75% at
4Q 2021
■ Retail financing which account for the smaller
proportion of NPLs declined by 42%, while
corporate NPLs increased by 18% YoY.
■ The NPL ratio for retail stood at 0.53% while
corporate stood at 2.03% as at 4Q 2021.
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